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About waterlicked

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  1. i started work as a bus driver in may last year. 3 months ago, i was involved in an accident where i received an injury to my neck. i have been off work ever since with this problem. as the accident was at work, they asked me to visit the company doctor which i did. he was insistent that i was fit to work due to the fact that i had not gone to my doctor for stronger pain relief medication. i was invited to a meeting with the operations manager. she wanted to know exactly when i was going to return to work. i was unable to answer this because i knew that i wasn't fit or safe enough to do my job, and i was still in pain when i tried to turn my head. she asked if i could be bus cleaning instead, but i thought this an unsuitable alternative role due to having to clamber under seats etc to clear away litter. she said she had no option but to give me 7 days notice to terminate my employment, even though i was still on the sick. to be honest, i was happy with that arrangement as it released the stress and pressure to return to work and i could find alternative employment once i had made a full recovery. now this is where the problem lies. i received an invoice from them wanting £1270 for what they claim is owed on an indemnity bond. the next section says "less recovery of wages. please refer to your last wage slip for more details. i had no idea what this was about until my payslip arrived yesterday. on my last pay slip, they have paid me my outstanding ssp, all my holiday pay, and all my lieu days payments totaling £649. then in the deductions side, they have taken off my usual deductions for tax & NI plus £453 for what they call "leaver bond". i have no idea what that is. so now what i have after all the deductions is a weekly wage of just £19. i'm not bothered about losing the job but can they really take money from my wages like this? is there anything i can do about the "invoice" they've sent me?
  2. sorry to drag this old chestnut up again. my wife has received quite a few letters recently. all the letters have been sent to her previous address even though they have our current address. luckily, we know the new tenants who are living at her old address so they are forwarding them on. just as a bit of a recap of this issue, a cca request was sent to them on 4th july 2018, they sent an acknowledgment letter back to our current address on 11th july 2018. they claimed to have 40 days to prove the debt, not 10 + 2. they did eventually supply the paperwork that implied that the last payment on the account was on 5th september 2013. this was received by us on 27th november 2018, over 4 months later! the latest letter from them is headed pre-legal assessment and they are threatening to escalate to the county court and get a ccj against my wife. this has my wife really worried and is adding further stress at a difficult time for her. where do we stand? they didnt supply the documentation to us by either the 10 + 2 or the 40 days. we are fed up with the constant threats. why are they now sending all letters to her previous address even though they have sent letters to our current address? i assume all the activity is due to the closeness of the debt becoming statute barred
  3. 18 x 12 = £216 am i missing something? am i still to believe to pay them nothing until i get a letter of claim? its taken them 5 months to supply their documentation, what happened to 10 days + 2?
  4. started a new thread as advised. my wife started to get letters about debts from lowells. all have had cca requests sent on 4th july this year, but they have all been acknowledged and all the accounts are on hold except capital one. the paperwork they have sent suggests the debt isnt as old as we thought. i have attached all the letters in pdf format. capitalone.pdf
  5. received a letter from lowells again today. they have supplied paperwork for a capital one credit card. from what i have seen, she made the last payment on it in september 2013. what should we do now?
  6. i did as you said and sent the statute barred letter. we have received a reply stating that the account is on hold while they conduct their investigations . however, we have since received a letter from resolvecall saying they have been instructed by lantern to arrange a personal visit. today, i have come home from work to find a card on the doormat saying that they have visited and want to speak to my wife immediately
  7. The 40 days they claim to have to supply the requested documentation have long gone but all 3 remaining accounts are still showing up on her credit file as in default but queried. Is there anything we can do to get them removed? The three account has been cleared from her credit file.
  8. thanks! i'll do that today. i will of course keep you updated
  9. we didnt ask for deed of assignment, we sent them a cca request as you suggested. it doesnt say that any payments were ever made. all it says is the amount on loan and duration of 29 and 31 days respectively for the loans, both taken out early 2008. from what i can see, nothing as ever been paid back.
  10. not sure what that means. i assume you are suggesting that someone has used her details to obtain these 2 loans in 2008? would they show up in closed accounts on her credit file?
  11. well today we have received a reply. they say that there were 2 accounts with northway financial. both are payday loans, 1 for £200 plus costs and 1 for £250 plus costs. i have asked my wife about these and she says she doesn't recall them at all. they have supplied some paperwork that implies they were from 2008 at 1 of my wife's previous addresses. none of the paperwork shows any signatures and they say they are unable to provide us with a copy of the deed assignment as this is legally privileged and commercially sensitive that contains details of third party accounts. should we require a copy of this documentation, they say we need to request a copy through the courts.
  12. We moved in together last year. The figure doesn't match up with anything however, both dca companies have the same address. We will fire off another cca as you suggest. I will of course keep you updated. Thanks for your help
  13. All her addresses are listed. She doesn't recall ever having a pay day loan. All it gives us is an account number and no other details.
  14. My wife received a letter today from lantern saying they have been trying to contact her. It says she owes £722.91 but doesn't say who to, it simply has an account number. She has no idea who the debt is with and nothing is on her credit file. They are saying unless she pays up in 7 days they are referring her to resolvecall. How should we deal with this?
  15. Just to clarify, this is what their letters say... We refer to your recent request under sections 77/78 of the Consumer Credit Act 1974 for a copy of the documentation for this former capital one/ j d williams/ shop direct account. We have requested a copy of the documentation but have not received it yet. Your account will remain on hold while we await the requested information from capital one/ j d williams/ shop direct.
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